The policy extends to include your personal liability either as an owner or an occupier of the premises to third parties, for damage to third party property or death/injury to third parties arising out of your use of the premises.

Scope of cover

Fire

Theft

Accidental damage by falling trees, earthquake and other natural perils, flood from water tanks and pipes, damage by road vehicles

Liability to third parties

Occupational accidents (death or illness to the servants as per the Workmen’s Compensation Act, including your liability as an employer at common law for acts of negligence)

ALTERNATIVE ACCOMMODATION

Cost of alternative accommodation is provided under the cover when your home is made inhabitable by any of the above risks.